Atlantic Union Bankshares Corporation Financial Ratios — UIO

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	6.82	8.26	7.86	7.37	6.8	7.76	7.12	9.85	8.72	5.84	9.3	8.76	7.71	6.92	6.43
Return on Assets (%)	0.79	0.88	0.83	0.9	0.89	0.96	0.82	1.27	1.24	0.85	1.33	1.16	0.97	0.91	0.88
Return on Capital (%)	4.67	5.25	4.41	4.23	4.18	4.4	3.52	4.99	5.09	4.36	8.25	6.82	5.42	5.74	5.45
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.92	25.75	25.15	22.47	28.9	31.86	31.17	35.62	35	27.51	47.57	40.21	34.46	32	24.64
Profit Margin (%)	16	18.33	18.29	16.67	21.45	24.24	21.66	29.03	29.29	23.36	39.39	33.68	28.99	25.76	20.01
Net Income to Common Margin (%)	14.59	18.33	18.29	16.67	21.45	24.24	21.66	29.03	29.29	22.53	37.62	31.98	27.28	24.3	19.15
Effective Tax Rate (%)	27.01	28.81	27.27	25.79	25.79	25.47	31.24	16.73	16.24	15.07	17.2	16.23	15.87	19.5	18.78
Dvd Payout Ratio (%)	23.66	25.33	36.48	48.87	43.35	44.36	49.04	38.82	40.45	51.69	33.45	39.03	48.13	56.78	68.84
Sustainable Growth Rate (%)	5.21	6.17	5	3.77	3.85	4.32	3.63	6.02	5.19	2.82	6.19	5.34	4	2.99	2

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	216	275	411	643	595	931	1,170	1,717	1,448	590	389	1,406	1,111	478	1,422
ST Debt	- -	78	212	343	304	518	745	1,049	370	100	- -	1,016	720	60	650
LT Debt	216	197	199	300	291	413	425	668	1,077	490	389	390	391	418	772
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.79	10.64	10.49	13.28	12.94	11.88	11.23	13.98	14.31	13.8	13.51	11.6	12.08	12.78	13.32
Long-Term Debt/Equity (%)	51.16	45.23	45.49	30.65	29.26	41.29	40.64	34.73	42.88	18.08	14.34	16.43	15.3	13.31	15.42
Long-Term Debt/Capital (%)	33.84	27.73	23.48	18.49	18.31	21.39	19.19	18.36	27.2	14.85	12.54	10.32	10.66	11.55	12.01
Long-Term Debt/Total Assets (%)	5.52	4.81	4.77	4.07	3.79	4.9	4.57	4.86	6.14	2.5	1.94	1.91	1.85	1.7	2.05
Total Debt/Equity (%)	51.16	63.12	93.75	65.76	59.8	92.98	111.84	89.22	57.61	21.78	14.34	59.25	43.46	15.22	28.4
Total Debt/Capital (%)	33.84	38.7	48.39	39.67	37.42	48.18	52.8	47.15	36.55	17.88	12.54	37.21	30.3	13.21	22.12
Total Debt/Total Assets (%)	5.52	6.72	9.84	8.73	7.74	11.05	12.56	12.47	8.24	3	1.94	6.87	5.25	1.95	3.78
Net Debt to Equity	28.27	44.14	77.12	52.24	45.63	75.12	92.84	75.66	41.77	3.64	-15.16	45.83	29.21	4.08	9.62
Net Debt/Capital (%)	22.04	30.62	43.54	34.31	31.33	42.9	48.14	43.07	29.47	3.51	-17.87	31.43	22.61	3.92	8.78
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.79	10.64	10.49	13.28	12.94	11.88	11.23	13.98	14.31	13.8	13.51	11.6	12.08	12.78	13.32
Long-Term Debt/Equity (%)	51.16	45.23	45.49	30.65	29.26	41.29	40.64	34.73	42.88	18.08	14.34	16.43	15.3	13.31	15.42
Long-Term Debt/Capital (%)	33.84	27.73	23.48	18.49	18.31	21.39	19.19	18.36	27.2	14.85	12.54	10.32	10.66	11.55	12.01
Long-Term Debt/Total Assets (%)	5.52	4.81	4.77	4.07	3.79	4.9	4.57	4.86	6.14	2.5	1.94	1.91	1.85	1.7	2.05
Total Debt/Equity (%)	51.16	63.12	93.75	65.76	59.8	92.98	111.84	89.22	57.61	21.78	14.34	59.25	43.46	15.22	28.4
Total Debt/Capital (%)	33.84	38.7	48.39	39.67	37.42	48.18	52.8	47.15	36.55	17.88	12.54	37.21	30.3	13.21	22.12
Total Debt/Total Assets (%)	5.52	6.72	9.84	8.73	7.74	11.05	12.56	12.47	8.24	3	1.94	6.87	5.25	1.95	3.78
CFO/Total Liabilities	2.04	-0.6	4.2	1.99	1.66	1.26	1.33	1.83	1.29	1.37	1.95	2.32	1.49	1.44	6.87
CFO/CapEx	13	- -	- -	- -	- -	- -	11.91	- -	12.26	7.84	35.94	147	54.51	41.72	180.26
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	96	83	73	132	141	179	199	261	398	491	800	318	364	350	940
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	216	275	411	643	595	931	1,170	1,717	1,448	590	389	1,406	1,111	478	1,422
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	637	711	849	1,620	1,591	1,932	2,217	3,642	3,961	3,298	3,099	3,779	3,667	3,621	6,428
Total Debt/Capital (%)	33.84	38.7	48.39	39.67	37.42	48.18	52.8	47.15	36.55	17.88	12.54	37.21	30.3	13.21	22.12
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	190	193	188	313	313	320	337	504	661	677	670	696	696	812	1,368
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	71	-22	157	127	111	94	110	217	195	232	338	420	278	308	2,237
TTM Free Cash Flow to Firm	66	-22	157	127	111	94	101	217	179	202	328	417	273	301	2,225

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	26	25	25	45	45	43	43	66	80	78	75	74	75	89	141
Diluted Weighted Avg Shares	26	26	25	46	45	44	44	65	80	78	77	74	74	87	128
Basic Weighted Avg Shares	26	26	25	46	45	44	43	65	80	78	77	74	74	86	128
Revenue per Share	7.37	7.51	7.57	6.84	6.98	7.35	7.75	7.7	8.29	8.64	8.71	9.35	9.35	9.48	10.69
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.08	1.38	1.38	1.14	1.5	1.78	1.68	2.23	2.43	1.95	3.28	2.99	2.55	2.3	2.05
Basic EPS from Cont Ops	1.18	1.38	1.38	1.14	1.5	1.74	1.66	2.28	2.43	2.02	3.43	3.15	2.71	2.44	2.14
Diluted EPS, GAAP	1.07	1.38	1.38	1.14	1.5	1.78	1.68	2.23	2.43	1.95	3.28	2.99	2.55	2.26	2.04
Diluted EPS from Cont Ops	1.18	1.38	1.38	1.14	1.5	1.74	1.66	2.28	2.43	2.02	3.43	3.15	2.71	2.39	2.13
Dividend per Share	0.36	0.35	0.51	0.56	0.65	0.77	0.82	0.89	0.98	1.08	1.25	1.33	1.39	1.45	1.5
Cash Flow per Share	2.75	-0.86	6.33	2.78	2.48	2.16	2.54	3.31	2.44	2.96	4.39	5.63	3.73	3.6	17.48
Free Cash Flow per Basic Share	2.54	-0.86	6.33	2.78	2.48	2.16	2.33	3.31	2.24	2.58	4.27	5.6	3.66	3.52	17.39
Cash & Equivalents per Share	27.59	26.6	30.23	27.5	23.46	25.97	26.99	31.05	29.47	38.75	56.94	41.22	34.81	4.36	7.13
Book Value per Share	16.23	17.36	17.66	21.77	22.36	23.1	24.07	29.35	31.61	34.62	36.04	31.96	34.29	35.23	35.53
Tangible Book Value per Share	13.15	14.36	14.78	14.52	15.25	15.74	16.86	17.52	18.92	21.93	23.02	19.13	21.62	20.67	20.99